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21 Ways To Save Some Cash By Letting Your Fingers Do The Walking
Posted By Ron On January 7, 2009 @ 12:01 AM In Budgets,Frugality,Money,Personal Finance | Comments Disabled
The twin mantras of a great personal finance strategy is to make extra money  and spend less than you earn. If you’re making all you can, maybe there are some sneaky savings strategies you can employ to save some cash and keep a few more dollars (or rupees, yuan, yen, euros, or pesos) on your pocket.
Another great way to save some cash each month is to pick up your phone and make a few calls.
1. Call your credit card company. If you’re maintaining a balance (and hopefully working to become debt free), call your credit card  company and ask for a lower interest rate. The national average is around 12 percent so don’t be shy to ask if they will lower it, especially if you have a great history with them. If you never carry a balance, ask if they will waive the annual fee. Now’s the time to do it. With the economy  stumbling along, issuers may be more willing than ever to work with you.
2. Call your mortgage company. If you have a rate higher than 5.5 percent, you may be able to save some cash by refinancing your mortgage. With rates at historic lows, you might be able to lock in a fabulous rate with a shorter term and pay off that loan earlier. Don’t “pull out” equity and waste it on consumable items though. You’re defeating the purpose.